46 Montage Ct, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 46 Montage Ct, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,814 sqft · built 2016
Lot Size	0.31 acres (13,503 sqft)
Owner	Individual Name on Record
Last Sale	$269,299 (Jul 2016)
Tax Bill	$5,234 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`029011-0180`

Property Details

APN / Parcel Number

Primary APN	`029011-0180`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,814 sqft Living Area
Gross Area	2,242 sqft
1st Floor Area	1,814 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,503 sqft (0.31 acres)
Garage Type	Attached
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	257 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	46 MONTAGE CT
City	SAINT AUGUSTINE
State	FL
Zip	32092-5434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	73/4-27 WHISPER CREEK PHASE 1 UNITS A AND B LOT 18 OR4231/907
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	WHISPER CREEK PHASE 1 UNITS A AND B
Legal Phase	1
Legal Block	1
Legal Lot Number	18
Legal Unit	A
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4019
Census Tract	20905

Owner

Source: St. Johns County records, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	46 MONTAGE CT, SAINT AUGUSTINE, FL 32092-5434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Dec 14, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2016 · Amount on Record
Deed Sale	Jul 29, 2016 · Amount on Record
Prior Sale	Dec 18, 2015 · Amount on Record
Deed Document Number	201648740
Deed Book / Page	4231 / 907
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	46 MONTAGE CT, SAINT AUGUSTINE, FL 32092-5434
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 MONTAGE CT, ST AUGUSTINE, FL 32092-5434

Mortgage

Document Number	0063121661
Date	Feb 26, 2026
Book Page	6312/1661
Instrument	2026016386

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	46 MONTAGE CT, SAINT AUGUSTINE, FL 32092-5434
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	FAMS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 MONTAGE CT, SAINT AUGUSTINE, FL 32092-5434

Mortgage

Document Number	0051230515
Date	Dec 14, 2020
Book Page	5123/515
Instrument	2020113401

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	308 Months
Due	Aug 1, 2046

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$204,486 (+2.7%)	$373,926 (+6.98%) Land $110,000 Building $263,926
2025	$5,234.00 (+6.27%) Homeowner's exemption	$199,110 (+5.99%)	$349,536 (+11.6%) Land $110,000 Building $239,536
2024	$4,925.00 (+1.21%)
2023	$4,866.00 (+1.5%) Homeowner's exemption	$187,863 (+3%)	$313,195 (+4.73%) Land $89,600 Building $223,595
2022	$4,794.00 Homeowner's exemption	$182,391	$299,048 Land $89,600 Building $209,448

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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